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Nose-to-Tail Cover
your dog or cat?

Flexible options Up to $30k benefit limit No sub-limits

Bow Wow Meow is proud to have been chosen as Product Review’s Pet Insurance Award Winner every year from 2018 to 2025! This is based on 2,995 independent customer reviews (as at 21/01/2025), with an overall rating of 4.3*

Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

Bow Wow Meow is proud to have been chosen as Product Review’s Pet Insurance Award Winner every year from 2018 to 2025! This is based on 2,995 independent customer reviews (as at 21/01/2025), with an overall rating of 4.3*

Google Review rating = 4.5* (based on 968 reviews)

Trust Pilot rating = 4.6* (based on 531 reviews)

Bow Wow Meow has been chosen as a winner in the Finder Pet Insurance Awards 2024. Finder’s panel of experts analysed over 140 quotes to award our Ultimate Care Plan the winner of the “Pet Insurance – Value” category.

Get your claims processed on the spot with GapOnly®, which calculates your claim while you’re still at the vet, so you pay only the gap. Learn more.

Unlock 24/7 online vet care and savings. At no additional cost, myPetPassTM gives you 24/7 online vet care, discounted pet prescription meds PLUS savings on pet care essentials, and more#! Read more

 

Get trusted, multi award-winning pet insurance from Product Review’s Pet Insurance Award winners for 2018, 2019, 2020, 2021, 2022, 2023, 2024 and again for 2025! Read reviews

Nose-to-Tail Cover

Cover for accidental injuries and illnesses with flexible features and optional benefits
Annual benefit limit
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Options: $10,000, $20,000 or $30,000
Benefit percentage
(% of vet bill covered)
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Options: 70%, 80%, or 90%
Annual excess
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Depending on your choice of annual benefit limit and benefit percentage, annual excess options may include: $0, $250, or $500
Sub-limits
No sub-limits per condition
Eligibility
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Pets up to 9 years of age when you first apply. No age limits once cover has commenced.
Accidental injuries
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Illnesses
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Consultations
(No sub-limit)
Congenital and hereditary conditions
Diagnostic tests & radiology
Hospitalisation, surgery & specialist care
After-hours emergencies
Cruciate ligament conditions
(No sub-limit)
Tick paralysis
(No sub-limit)
Emergency pet boarding
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Dental conditions
Up to the optional Booster Care limit of $2,000 per policy period
Specialised therapies
Up to the optional Booster Care limit of $2,000 per policy period
Waiting period
  • 2 days for accidental injuries
  • 30 days for illnesses
  • 6 months for cruciate ligament conditions
  • For Booster Care:
    • 6 months for specified dental conditions
    • 30 days for behavioural conditions
    • Waiting period that applies for specialised therapy items is dependent on the waiting period for the covered condition
Exclusions
  • Pre-existing Conditions
    i
  • Desexing and birth related procedures
  • Other General exclusions
Pre-existing condition review
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Annual benefit limit is subject to the benefit percentage, annual excess (if any), waiting periods and exclusions.

Booster Care is additional to your annual benefit limit and subject to the benefit percentage, annual excess (if any), waiting periods and exclusions.

Pet insurance for your dog or cat

Dog insurance

Whether you’re in the midst of the crazy puppy days or enjoying life with your fully grown best friend, our Nose-to-Tail Cover can help protect them.

> Dog cover options

 

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Cat insurance

Whether your feline friend likes to laze around indoors or prowl the neighbourhood all night, we can cover them from Nose-to-Tail.

>  Cat cover options

 

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Over $3 million in claims paid out each month18

We've insured over 170,000 Aussie pets since 2008

Fast & easy claims processing

Easy to use online portal
GapOnly® on the spot claiming
Caring & attentive service


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